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My American Express Blue Cash Everyday card finally showed up at TransUnion. Opened 2/13/2020, reported 04/23/2020.
No changes to the 8's, minor loss on the 9's, major loss on the 4's. TU4 from 738 to 720...ouch.
CRADIS "Fourth Card" BASE REPORT 04/10/2020 |
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CURRENT REPORT Base Differential 04/24/2020 |
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| Score reports from myFICO's FICO Premier subscription and CK/VS3. |
TransUnion |
8 |
| 741 | 04/24 | Short credit history | No recent loan activity | Short Revolving Credit History | Too many accounts with balances |
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| 741 | 04/10 | Short credit history | No recent loan activity | Short Revolving Credit History | Too many accounts with balances |
9 | -3 | 729 | 04/24 | Short credit history | Too many accounts with balances | No recent loan activity | Short Revolving Credit History |
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| 732 | 04/10 | Short credit history | No recent loan activity | Too many accounts with balances | Short Revolving Credit History |
4 | -18 | 720 | 04/24 | Short credit history | Short Revolving Credit History | Too many accounts with balances | Amount owed rev accts too high |
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| 738 | 04/10 | Short credit history | Short Revolving Credit History | Amount owed rev accts too high | No recent loan activity |
BC8 |
| 746 | 04/24 | Short credit history | No recent loan activity | Too many accounts with balances | Short Revolving Credit History |
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| 746 | 04/10 | Short credit history | No recent loan activity | Too many accounts with balances | Short Revolving Credit History |
BC9 | -3 | 740 | 04/24 | Short credit history | Too many accounts with balances | No recent loan activity | Short Revolving Credit History |
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| 743 | 04/10 | Short credit history | No recent loan activity | Too many accounts with balances | Short Revolving Credit History |
AU8 |
| 733 | 04/24 | Short credit history | No recent loan activity | Too many accounts with balances | No recent auto loan activity |
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| 733 | 04/10 | Short credit history | No recent loan activity | Too many accounts with balances | No recent auto loan activity |
AU9 | -3 | 736 | 04/24 | Short credit history | Too many accounts with balances | No recent loan activity | Short Revolving Credit History |
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| 739 | 04/10 | Short credit history | No recent loan activity | Too many accounts with balances | Short Revolving Credit History |
AU4 | -17 | 712 | 04/24 | Short credit history | No recent loan activity | Short Revolving Credit History | Too many accounts with balances |
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| 729 | 04/10 | Short credit history | Short Revolving Credit History | No recent loan activity | Amount owed rev accts too high |
BC4 | -19 | 742 | 04/24 | Short credit history | Short Revolving Credit History | Too many accounts with balances | Amount owed rev accts too high |
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| 761 | 04/10 | Short credit history | Short Revolving Credit History | Amount owed rev accts too high | Few accounts in good standing |
VS3 | -8 | 731 | 04/24 |
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| 739 | 04/10 |
@AllZero wrote:
Thank you for sharing. It'll be interesting to see if any score improvement on TU4 when AoYRA reach 3 and 6 months
This is what happened to all 28 FICO scores the last time I was at AoYA/AoYRA 3mo. TU 4 models went up +8 to +21.
I'm crossing my fingers for next month's (May) 3B report at AoYA 3mo, but I don't expect such dramatic changes this time.
Still have really good scores though! Glad your card finally reported!!
@Anonymous wrote:
It definitely lowered ages, AAOA, AAORA, AoORA, so the age codes moving makes sense. I bet the too many account with a balance is number 5, being less important on a thick card.
'Too many accounts with a balance' moved UP on the 4's and 9's. The bolded factors are the changes from the last report.
It wasn't even there on the 4's with 3 cards. 4th card shows up and all of them suddenly have that factor.
It remains to be seen if 'Few accounts in good standing' is still there on BC4. I think it might be at #5 after 'too many accounts' pushed it off.
@Anonymous wrote:
@Anonymous wrote:
It definitely lowered ages, AAOA, AAORA, AoORA, so the age codes moving makes sense. I bet the too many account with a balance is number 5, being less important on a thick card.'Too many accounts with a balance' moved UP on the 4's and 9's. The bolded factors are the changes from the last report.
It wasn't even there on the 4's with 3 cards. 4th card shows up and all of them suddenly have that factor.
It remains to be seen if 'Few accounts in good standing' is still there on BC4. I think it might be at #5 after 'too many accounts' pushed it off.
Wow, not enough sleep. I read it upside down, lol. OK, so it either makes an appearance or moves up on TU4 and moves up on 9. I'm not sure this feels like the scorecard reassignment you should be experiencing.
Considering you went from 100% of revolvers with a balance to 100% of revolvers with a balance and maintained Ag utiliation, this may support the theory of raw numbers as opposed to percentages being a threshold for this metric. I was honestly expecting a scorecard reassignment across the board for you to thick, but it may take the next account. Maybe the number is 6, rather than 5.
BUT, you could be experiencing reassignment on TU4. Maybe thats not a code on thin cards in TU4? Strange you would not get it at 100% of revolvers with a balance. Maybe it is percentages and the code just doesn't exist on TU4 thin cards? Gotta think more.
What about EX2? EX3? EX3 is an '04 algorithm, like TU4 and EQ5.
@Anonymous wrote:
What about EX2? EX3? EX3 is an '04 algorithm, like TU4 and EQ5.
The new Amex card hasn't shown up yet at EX. Just EQ and TU.
Still no alert from myFICO or the free Experian Basic. Even the free EX monitoring sent me an alert right away for each of the inquiries from AMEX/Discover.
I'm going to skip getting an EQ 1B for this. I'll just wait for the monthly 3B in May, but there will most likely be some good AoYA/AoYRA 3mo gains on that report. It's not a good month to test anything. Still going to let all cards report 4%.